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F.A.Q.

Frequently Asked Questions

How long have you been in business?

Guaranteed Credit Service, LLC is in business for almost 16 years. We were established year January 2003

Can I Just Open a New Credit File?

Your credit report is associated with your social security number. It is illegal to get a new social security number. You will always have that number, so it is not possible to just start your credit report over. It has to be repaired or you need to wait years for negative information to automatically be dropped.

Do I Need to Pay the Balance of a Negative Item on My Credit?

No, this does not help your credit rating. Once you have negative credit items on your credit report, it will stay there whether you pay it off or not. It will not improve that negative information. There is no reason to pay off an old debt as far as your credit score is concerned.

How Do I Know How the Repair Is Coming Along?

The three largest credit reporting agencies (TransUnion, Experian and Equifax) will send you regular reports as they make changes on your credit report. You will receive reports that list negative items being removed, acknowledgements that items have been challenged, etc.

You can also log into your account online at www.creditstatusnow.com to receive updates. You can also upload your documents to our server in your customer portal when they are needed for your credit repair. If you have specific questions, you can contact us through your customer portal. You will receive your customer portal login information when you sign up.

How Does Credit Repair Work?

More than 79% of files with the credit reporting agencies contain errors and misinformation. When the information is contested, the credit reporting agency must remove it until they can verify it to be factual and to be within the statute of limitations.

Many times, the credit reporting agencies are understaffed and don’t have the resources to follow through with proving an item is factual. So, if they cannot provide evidence of the factual reporting then they will be forced to remove that item from your credit report.

How Fast Will I See Results after starting Credit Repair?

How long it takes to see results is different for each person’s situation. The credit reporting agencies can take up to 45 days to respond, although they usually respond quicker at times. Some people have very complicated issues to resolve with their credit that can be quite time consuming. In more complex cases, credit repair could take longer. Other people have minor issues that are relatively easy to resolve and in that case results can be seen very quickly.

If you don’t have any good credit information on your credit report then some credit building will need to be done. Removing bad credit information isn’t the only part of repairing credit. Your credit score is also based on how many positive credit items you have on your credit report.

Each of the credit reporting agencies will have different credit information about you. Some companies that report on your credit history use only one credit reporting agency. So, one agency will have information that the others do not have. It takes time to get the negative issues resolved with all three agencies.